How to make a home insurance claim

How to make a home insurance claim: A step-by-step guide

1. Review your policy

Before making a claim, review your home insurance policy to understand what is covered and the extent of your coverage. This will help you know what to expect and prepare the documents you need to make a claim.

You need to meet the claims requirements detailed in your policy. If you do not, your claim may not be valid. It is important that you read and understand your claims conditions.

2. Document the damage

Take detailed photos and videos of the damage to your property. This visual evidence will be crucial when you file your claim. Make a list of damaged items, including their approximate value and purchase date.

3. Contact your insurance provider

Notify your insurance company as soon as possible. Most insurers have a specific time frame within which you must report the damage. Provide them with all the necessary details and follow their instructions on how to proceed.

In the event of theft, attempted theft, vandalism, or any other malicious and deliberate act, you must make a report within 24 hours to:

• An Garda Síochána, or
• The relevant police authority with jurisdiction where the event occurs.
• You must also let these authorities give your insurer any information they may need.

4. Fill out claim forms (if required by your insurer)

Your insurance provider may send you claim forms to fill out. Ensure you complete these forms accurately and provide all requested information. Missing or incorrect information can delay the processing of your claim.

5. An Adjuster may be appointed

An insurance adjuster will be assigned to assess the damage. Be present during the inspection to answer any questions and provide additional information. This is also a good time to discuss the extent of the damage and any temporary repairs you need to make.

6. Make temporary repairs

If necessary, make temporary repairs to prevent further damage to your home. Keep all receipts for these repairs, as they may be reimbursed by your insurance provider if there is a valid claim. Avoid making permanent repairs until the adjuster has completed their assessment.

7. Keep detailed records

Maintain a file with all documents related to your claim, including correspondence with your insurance provider, receipts, valuations and any other relevant information. This will help you stay organised and provide a clear record of the process.

8. Follow up regularly

Stay in touch with your insurance provider and follow up regularly on the status of your claim. Don’t hesitate to ask for updates or clarification if needed.

9. Understand your settlement

Once your claim is approved, review the settlement offer carefully. Make sure you understand what is covered and the amount you will receive. If you have any questions or concerns, discuss them with your insurance provider before accepting the settlement. Your excess will also apply. The amount you pay will vary depending on the reason for the claim.

10. Complete repairs

After receiving your settlement, continue with the necessary repairs to your home. Keep all receipts and documentation related to the repairs for future reference.

By following these steps, you can navigate the process of how to make a home insurance claim with confidence and ease. Remember, being prepared and organised can make a significant difference in the outcome of your claim.